Exhibit 99.3 Schedule 4

 

Rating Agency Grades
Run Date - 06/11/2025 9:33:30 AM
LOAN INFORMATION INITIAL CREDIT LOAN GRADES INITIAL COMPLIANCE LOAN GRADES INITIAL PROPERTY LOAN GRADES INITIAL OVERALL LOAN GRADES FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
Evolve Loan ID Customer Loan ID Seller Loan ID Original Loan Amount DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P
1623814 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1627519 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1634505 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1633142 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D A A A A A A A A A A D D D D D B B B B B A A A A A A A A A A B B B B B
1633143 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1634172 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633395 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633565 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634278 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1635137 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633566 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633195 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633003 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1633109 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1633004 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634188 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1633396 XXXXXXXXXXX XXXXXXXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1633085 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A A A A A A C C C C C C C C C C A A A A A A A A A A A A A A A A A A A A
1633101 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633110 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
1634151 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634190 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633253 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633568 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633935 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1634043 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633937 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633404 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D A A A A A C C C C C D D D D D A A A A A A A A A A A A A A A A A A A A
1633108 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1633520 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633100 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1633397 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633005 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634059 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C B B B B B A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633112 XXXXXXXXXXX XXXXXXXXXXX XXXXXXX D D D D D B B B B B A A A A A D D D D D A A A A A B B B B B A A A A A B B B B B
1633521 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633960 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633139 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633513 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633197 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633399 XXXXXXXXXXX XXXXXXXXXXX XXXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1633113 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1634146 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
1634065 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633103 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634192 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633961 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633569 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633570 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1633962 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633114 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1634193 XXXXXXXXXXX XXXXXXXXXXX XXXXXXX D D D D D A A A A A A A A A A D D D D D A A A A A A A A A A A A A A A A A A A A
1633255 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634060 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C B B B B B A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1633571 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1633104 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633947 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633400 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C B B B B B A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1634154 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633948 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633001 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634068 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A B B B B B A A A A A B B B B B A A A A A A A A A A A A A A A A A A A A
1633405 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1633514 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1633512 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633105 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633573 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633954 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C B B B B B A A A A A A A A A A B B B B B
1633574 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634047 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633401 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C C C C C C A A A A A C C C C C A A A A A B B B B B A A A A A B B B B B
1633515 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633575 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634048 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634049 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634050 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633334 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1633107 XXXXXXXXXXX XXXXXXXXXXX XXXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633335 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C A A A A A A A A A A C C C C C A A A A A A A A A A A A A A A A A A A A
1634157 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1633332 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1633577 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1635011 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634501 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A C C C C C C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634673 XXXXXXXXXXX XXXXXXXXXXX XXXXXX D D D D D N/A N/A N/A N/A N/A A A A A A D D D D D A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1636449 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C B B B B B N/A N/A N/A N/A N/A A A A A A B B B B B
1633402 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1634166 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1634056 XXXXXXXXXXX XXXXXXXXXXX XXXXXX A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1615267 XXXXXXXXXX XXXXXXXXXX XXXXXX A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A
1615876 XXXXXXXXXX XXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A
1616214 XXXXXXXXXXX XXXXXXXXXXX XXXXXX C C C C C N/A N/A N/A N/A N/A A A A A A C C C C C A A A A A N/A N/A N/A N/A N/A A A A A A A A A A A